Guaranteed Universal Life (GUL) from Corebridge Financial: Lifelong security with a guaranteed death benefit. Secure your family's future today. About Secure Lifetime GUL 3 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Secure Lifetime GUL 3 Infograph Product Thesis Secure Lifetime GUL 3 is a guaranteed universal life insurance policy designed to provide tax-advantaged, lifelong protection that serves dual purposes: securing a guaranteed death benefit for beneficiaries and offering "living benefits" that allow the insured to access policy funds during their lifetime for chronic illness or retirement income. Issued by American General Life Insurance Company and The United States Life Insurance Company in the City of New York (under the marketing name Corebridge Financial), the policy is structured around three central pillars: guaranteed protection, financial flexibility, and living benefits. 1. Guaranteed Protection and Tax Advantages The core function of Secure Lifetime GUL 3 is to lock in a death benefit that is guaranteed regardless of the policy’s cash value performance, provided the required premiums are paid. The proceeds from this death benefit are generally tax-free under current federal income tax law, ensuring that families, businesses, or charitable interests are protected. Furthermore, the policy offers guaranteed minimum cash values, adding a layer of asset stability. 2. Flexible Structure and Premium Control The policy is designed to be tailored to the specific budget and timeline of the policyholder. It empowers the insured to: Customize the coverage period: Choose the specific age or number of years the death benefit is guaranteed. Structure premium payments: Options range from paying over the life of the policy to paying additional premiums to shorten the payment period or pre-funding the coverage entirely. Exit strategies: If coverage needs change, the policy includes a "Guaranteed Return of Premium" feature. Policyholders can surrender the policy in year 20 to receive 50 percent of premiums paid, or in year 25 to receive 100 percent of premiums paid (capped at 40% of the face amount). 3. Living Benefits: "Life Insurance You Don’t Have to Die to Use" A defining thesis of this product is its utility while the insured is still alive. Through specific riders, the death benefit can be accelerated to provide supplemental income: Accelerated Access Solution®: If the insured suffers from a qualifying chronic illness, this rider allows access to the tax-free death benefit through monthly payments to cover costs without restriction. Lifestyle Income Solution®: Designed for longevity, this rider allows the insured to translate their death benefit into a stream of supplemental income beginning at age 85, which can be used for any purpose. In summary, Secure Lifetime GUL 3 functions as a customizable financial instrument that guarantees a tax-free legacy for beneficiaries while simultaneously acting as a potential funding source for the insured's own health or retirement needs. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Aetna Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS FAMILY & INDIVIDUAL SMALL BUSINESS HEALTH OPTIONS PROGRAM PLANS (SHOP) MEDICARE ADVANTAGE PRESCRIPTION DRUG PLANS (PDP) Products offered by Aetna ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Aetna ©️ are property of Aetna ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Aetna ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Often times we use our emotions to determine our financial capacity to obtain insurance. Now, there's a tool that evaluates your financial leverage based on the law of averages in your area. Using Google Gemini AI technology, explore the Minnesota AI Financial Insurance Expert tool that measures your income and more to help you determine your cost capacity for life insurance, health insurance and annuities. MN AI Financial Insurance Expert Evaluate your finances and gain quality feedback using some of the latest Google Gemini AI generative technology! The tool scours the worldwide web and takes information from resources you know to help you evaluate your finances for insurance coverage. EVALUATE YOUR FINANCES Primary Data Sources Minnesota Department of Employment and Economic Development MNsure Minnesota Department of Human Services You will be taken to a third party resource when opting to select and explore these links. Those sites are not monitored by JHN Finance and are not subject to the terms and conditions of JHN Finance. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

From Term Life to Indexed Universal Life, find the right Pacific Life plan for your needs. Trusted local service from JHN Finance Insurance in MN and MO. GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS Pacific Horizon IUL 2 Pacific Horizon ECV IUL Pacific Horizon Survivorship IUL Pacific Trident IUL Pacific Elite Term Pacific Venture UL Products offered by Pacific Life ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Pacific Life ©️ are property of Pacific Life ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Pacific Life ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Compare top Medicare Advantage plans in MN & MO with JHN Finance. Skip the confusion—our local brokers find your perfect all-in-one coverage for free. About Medicare Advantage Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Medicare Advantage Infograph Product Thesis Medicare Advantage, also known as Part C, is an "all-in-one" alternative to Original Medicare. These plans are offered by private companies—like our partners Aetna, Humana, and Medica—and are approved by the Centers for Medicare and Medicaid Services. When you join a Medicare Advantage plan, you still have Medicare, but you get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. Why Choose Medicare Advantage? Most Medicare Advantage plans offer coverage for things that Original Medicare simply doesn’t touch. Common benefits include: Prescription Drug Coverage (Part D): Some plans include "built-in" drug coverage, so you don't have to purchase a separate policy. Vision, Dental, and Hearing: Many plans include routine exams, glasses, and even hearing aids. Out-of-Pocket Maximums: Unlike Original Medicare, these plans have a yearly limit on what you pay for covered services. Once you reach that limit, the plan pays 100% for the rest of the year. Wellness & Fitness + Additional Benefits: Many of our providers offer gym memberships and expense compensation options. Choosing the Right Network Since Medicare Advantage plans use provider networks, it’s vital to ensure your preferred doctors and hospitals are included. JHN Finance specializes in comparing: HMOs (Health Maintenance Organizations): Usually require you to see doctors within the network. PPOs (Preferred Provider Organizations): Offer more flexibility to see out-of-network providers (usually at a higher cost). Why Trust JHN Finance with Your Medicare? You’ve worked hard for your retirement; you shouldn't have to work hard to keep it healthy. Expert Guidance: We know the Minnesota and Missouri markets. A Personal Connection: Skip the government websites and automated call centers. When you work with JHN Finance, you have a dedicated broker who knows your name and provides you proper direction the first time. No Added Cost: Our consultation and enrollment services are free to you. We are compensated by the providers, allowing us to focus entirely on finding the best plan for your needs. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota and Missouri EXPLORE THIS PROVIDER NEXT FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Provide your heirs with tax-free liquidity for estate taxes. Explore Pacific Life’s Survivorship IUL with JHN Finance Insurance in MN or MO. Secure your wealth. About Pacific Horizon Survivorship IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon Survivorship IUL Infograph Product Thesis Pacific Life’s Horizon Survivorship Indexed Universal Life (IUL) is a flexible premium, last-survivor insurance product designed to insure two lives under a single policy, paying a death benefit only upon the passing of the surviving insured. This financial instrument is engineered to provide liquidity for estate planning, tax liability management, and wealth transfer while offering cash value accumulation potential linked to market indices. The policy distinguishes itself through a "volatility control" strategy—utilizing the BlackRock Endura® Index and an optional Enhanced Performance Factor Rider—to offer upside growth potential while protecting the policyholder from index-based losses via a guaranteed 0% floor. Detailed Analysis of the Topic 1. Core Structure and Purpose The Horizon Survivorship IUL is fundamentally a "second-to-die" policy. Unlike traditional life insurance that pays out on the first death, this policy remains in force until the death of the second insured. Target Audience: It is traditionally used by married or unmarried couples with substantial assets to offset federal/state estate taxes or to equalize inheritance among heirs (e.g., when business assets cannot be easily divided). Cost Efficiency: It provides cost-efficient protection for two lives, making it particularly useful for partners with significant age or health differences. Financial Utility: Beyond death benefits, the policy serves as a vehicle for potential tax-free supplemental retirement income through loans and withdrawals from the accumulated cash value. 2. Cash Value Accumulation and Indexing The policy allows the owner to allocate premiums to specific accounts that credit interest based on external market performance, without directly investing in the stock market. Indexed Accounts: Interest credits are linked to the performance of major indices, including the S&P 500®, Invesco QQQ®, and the BlackRock iBLD Endura® VC 5.5 ER Index. Volatility Control: A distinct feature of this product is the inclusion of Volatility Control Indexed Accounts. These accounts track the BlackRock Endura® Index, which dynamically adjusts allocations between U.S. equities and Treasuries to reduce losses during market downturns. Downside Protection: The policy includes a guaranteed "floor" of 0%. This means that even if the underlying index performs negatively, the credited interest rate will not be less than zero, protecting the cash value from investment loss (though policy charges will still reduce the value). 3. The Enhanced Performance Factor Rider (EPFR) To potentially increase accumulation, the policy offers an optional rider called the Enhanced Performance Factor Rider (EPFR) available at issue. Function: This rider applies a multiplier (Performance Factor) to the indexed interest credit. Design Options: Policyowners can choose between three designs: Classic: No additional rider charge and a performance factor of 1.0 (standard performance). Performance: Moderate monthly charge for a higher performance multiplier. Performance Plus: Higher monthly charge for the highest potential performance multiplier. Risk: While the EPFR increases upside potential, the associated monthly charges are deducted regardless of performance. If the rider charges exceed the interest credited, the policy’s accumulated value will decrease, potentially increasing the risk of lapse. 4. Flexibility and Policy Riders The Pacific Horizon Survivorship IUL is designed to adapt to changing life circumstances through various riders and provisions: Policy Split Option: Allows the policy to be split into two individual policies (one on each life) in the event of divorce or significant changes to federal estate tax laws. No-Lapse Guarantee: Ensures the policy remains in force for a specific duration (up to the younger insured's lifetime) regardless of cash value performance, provided the "no-lapse guarantee value" remains positive. Surrender Enhancement: An optional rider that increases the cash surrender value in the early years of the policy, providing greater financial flexibility if the policy needs to be surrendered early. Conversion: In policy year eight, the coverage may be converted to a new product without new underwriting or surrender charges. 5. Policy Mechanics and Charges Premiums: The policy utilizes flexible premiums, allowing the owner to adjust payments within certain limits (Guideline Premium Test or Cash Value Accumulation Test) to maintain the policy’s tax-qualified life insurance status. Death Benefit Options: The policy offers different death benefit options (e.g., Option A or B), which can be changed once per policy year. Charges: The policy incurs monthly deductions, including Cost of Insurance (COI), administrative charges, coverage charges, and applicable rider charges. These charges reduce the accumulated value. Loans and Withdrawals: Owners can access cash value through standard policy loans or withdrawals. While generally tax-free, these actions reduce the death benefit and cash value, and excessive borrowing can cause the policy to lapse. 6. Risks and Considerations Lapse Risk: If the accumulated value (less debt) becomes insufficient to cover monthly deductions, the policy will enter a grace period and may lapse (terminate with no value) if sufficient premiums are not paid. Modified Endowment Contract (MEC): If premiums are paid too rapidly (exceeding the "7-pay limit"), the policy may be classified as a MEC, resulting in less favorable tax treatment for withdrawals and loans. Market Caps: While there is a 0% floor, growth is often subject to "Caps" or "Participation Rates" that limit how much of the index's gain is credited to the policy. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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Simplify your life, health, and annuity insurance search with JHN Finance. Choose your coverage type and let our expert brokers find the perfect plan for you. What is Your Insurance Vision? Select which coverage type you are inquiring about: LIFE & ANNUITY HEALTH INSURANCE Simplify your life insurance, health insurance and annuity search by providing pivotal necessary information up front so your broker can shop for the most fitting coverage option for you. JHN FINANCE AI APPLICATIONS Complete a JHN Finance AI life insurance, annuity, or health insurance application for coverage much more conveniently with clear guidance using all-new Google Gemini AI Technology! A+ Rated Accredited Business with the Better Business Bureau Rated a 5 Star Customer Service Experience Business, Retirement, Individual & Family, Solutions First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

A professionally crafted Minnesota Health Insurance Plan awaits you! Receive clear direction from a licensed & certified Minnesota Insurance Broker about your healthcare today. Craft Your Health Insurance Plan (612)268-1231 CALL NOW Local Twin Cities Agency. We live here. Maximize Long-Term Savings. We find the plan that lowers your actual out-of-pocket costs, not just the monthly premium. Licensed & MNsure Certified Broker Services (Free) 5.0 Google Rating | A+ Rating with the BBB OUR PROVIDERS "Jacob has been an absolute treat to work with. Trustworthy. Attentive. I would highly recommend Jacob as you are looking for your next insurance needs." - Amber C. A Local Insurance Agency Licensed & Certified Broker Authority No Cost Services Meet Your Local Minnesota Broker Licensed Agency Licensed Minnesota Insurance Agency. Certified Broker Service Various certified services including MNsure . Independent Advocacy We work directly for you , not the national insurance carriers. Proprietary AI Technology The only Twin Cities broker using custom AI to instantly spot hidden risks. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Your handy guide answering your frequently asked insurance questions. We've got blogs, insight and much more. Learn more today! JHN FINANCE FAQs Answering the most frequently asked life and health insurance industry questions searched by your neighbors on the worldwide web. Crafted with the help of Google Gemini, ChatGPT and Perplexity. Preguntas frecuentes General Health Insurance Life Insurance Annuities Should I get an Insurance Broker? Yes, before choosing an insurance plan, you should almost always consult with a licensed insurance broker first. Think about it this way: before selecting any plan on the federal or state health marketplace when calling for assistance, you are directed to a licensed broker. This should be the case when selecting coverage for life insurance and annuities as well. In fact, even more of the case. Life insurance and annuities are lifetime guarantees. Health insurance plans are elected yearly. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Often times we use our emotions to determine our financial capacity to obtain insurance. Now, there's a tool that evaluates your financial leverage based on the law of averages in your area. Using Google Gemini AI technology, explore the Minnesota AI Financial Insurance Expert tool that measures your income and more to help you determine your cost capacity for life insurance, health insurance and annuities. MO AI Financial Insurance Expert Evaluate your finances and gain quality feedback using some of the latest Google Gemini AI generative technology! The tool scours the worldwide web and takes information from resources you know to help you evaluate your finances for insurance coverage. EVALUATE YOUR FINANCES Primary Data Sources U.S. Department of Health and Human Services Missouri Economic Research and Information Center You will be taken to a third party resource when opting to select and explore these links. Those sites are not monitored by JHN Finance and are not subject to the terms and conditions of JHN Finance. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Shop for Medicare Advantage, Medicare Prescription Drug Plans and Medicare Supplement Plans Today with JHN FINANCE Health Central! LET'S GET YOU COVERED SHOPPING FOR MEDICARE COVERAGE? START A QUICK QUOTE IMPORTANT UPDATES: All Remaining UCare Medicare Advantage Members must pick a new Medicare Advantage Plan before the end of February 2026. Learn More MEDICARE ADVANTAGE MEDICARE SUPPLEMENTS Explore Medicare Advantage, Prescription Drug Plans and Supplemental Insurance options from carriers you may know and trust! CALL US EMAIL Get Started Right Away on Your Coverage... Submit JHN Application CREATE YOUR ACCOUNT GET STARTED Manage health plans with more control when you open Your JHN Network Account. Booking consultations + more with ease! 2026 UPDATES READ TODAY 2026 Health Plan Updates to be prepared for changes to regulations, laws and more! LATEST HEALTH BLOG READ TODAY Educate yourself on how certain health engines work, how to be better prepared and more general knowledge! SCHEDULE APPOINTMENT "Our job is to equip you with the knowledge to make educated decisions about your health insurance coverage." SCHEDULE INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? I agree to receive communications by text message about my inquiry. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .